Embrace | Pet Insurance Review

I took a long time because of a possible pre- existing condition that I had to get clarified but we got that taken care of and Embrace has paid the claims.I dog has cancer and without Embrace it would have been difficult to afford the treatment,My adjuster was Andee and she was great and sooo understanding.She was a great support for during this ordeal.

Embrace has always been super straightforward. The claims process has never felt onerous and I have always felt supported. Embrace has helped us prioritize our cats’ health and wellbeing. Thank you

Very professional and fast service. I recently had a significant vet bill and embrace rapidly took care of my claim.

They will increase your premiums 30+% Every Year, Year over Year regardless of your pet's age or if they have had any illnesses. By the time I finally cancelled, my 4 year old german shepherd's premium was More expensive than my own health insurance and we Never Used our coverage for a single medical issue. If this were human insurance these rates would be illegal. This is essentially a scam for well-meaning rich people. I would just keep a credit card handy for big vet bills and skip the scam. As a former vet tech, I can tell you that an average emergency vet visit with bloodwork, xrays, and IV therapy/medications to go home will run about $5-800, even with 'low' deductible (and high premium) plan options, you would pay a $500 deductible, plus 10% on top of that, so even with an $800 bill you're still paying $600 of that bill, and unless your pet has Multiple emergency visits or serious surgery in a plan year, you're basically paying $1,000 for a $200 discount, if you use the insurance at all. Don't need to be an accountant to figure that one out. This is just another corporate squeeze to siphon money off of the middle class. Save your money, please.

Thankfully I cancel on time my dog is only 4 months and they have been review documents for ever. While I understand their policy. Is to complicated for me and I don’t have time for that and she already have another insurance which is better and already review her pre existing condition. I don’t recommend embrace.